Preparing Investment Properties for Severe Spring and Summer Weather

The weather is warming up and now is great time to help your clients prepare for upcoming risks that come with spring and summer weather. It may be surprising how much advance planning is necessary. Thunderstorms, flooding, and tornadoes are approaching, so how can you relay the importance of this preparedness to your investors and clients?

Step 1: Get to Know the Risks

The U.S. has around 15 very diverse climates and our cities are spread across nearly 2.3 billion acres of land. If your investors have properties in several states it can be a challenge to keep up with the changing weather conditions in each region, so having property managers that communicate timely and operate proactively using a preventive mindset is crucial. Even if their properties are all located within the same city, the unpredictable weather we’ve experienced the past few years requires that investors or their PM be on the ball for anything that could suddenly drop out of the sky…literally! The first step to minimizing losses is becoming familiar with the weather where they have invested. The following maps show which areas are most prone to severe thunderstorms, hail, tornadoes and flooding.

Severe Thunderstorms




Step 2: Make a Plan & Take Action

The second step to remind your clients to take in order to minimize losses from severe weather is to make a plan and take action. Some items can be done well in advance of a storm approaching, where other steps might not be possible or practical to do until just before the storm arrives. Either way, planning in advance will ensure that they are able to act swiftly to protect their properties and any inhabitants in a severe weather event. 

Specific Preparation for Common Spring and Summer Weather Hazards

Catastrophic weather events can completely destroy investors’ property, but even smaller storms can create costly damage. They may cause power outages that lead to sump pump failures, flooded basements, damaged furnaces and water heaters. Lack of A/C can create a ripe environment for mold growth, and at times looters may even take advantage of a lack of security. Let’s discuss four common spring and summer weather hazards and how you can advise your clients to prepare for those risks. 

Thunderstorms & Lightning

In most places, these storms can occur year-round and at any hour of the day.

  1. Sump pump and security alarm should both be connected to battery backups
  2. Use a generator during power outages (Generators and other alternate power/heat sources should be kept outside, and should never be plugged into a wall outlet.)
  3. If windows and doors have been damaged in a storm, board up your property to keep trespassers and vandals out.
  4. Read about lightning safety on the NWS website.

Wind & Hail

Any area of the U.S. can experience high winds and hail, but the Midwest and Southeast tend to have an increased risk for damage caused by these two perils. 

  1. Secure loose gutters and downspouts.
  2. Keep trees and shrubs well-maintained so they are more wind-resistant.
  3. Remove dead or dying trees from the property so they can’t fall on your client’s investment, their neighbor’s property, or injure someone. 
  4. As storms approach:
    –Move any deck furniture or other items that could become dangerous projectiles when there is a threat of high winds, indoors.
    –Cover all windows. Install permanent storm shutters or board up windows with plywood to help prevent windows from being damaged. Tape does not prevent windows from breaking.
    –Brace garage doors with additional support from the inside.
  5. Utilize tarps to help keep rain from entering the property and causing additional damage after the initial event.
  6. Read about wind safety on the NWS website.


The Midwest and Southeast generally have a greater risk for tornadoes. 

  1. Keep up on tree maintenance, trim dead limbs and remove dead trees to keep flying debris from damaging the main structure. 
  2. Instruct investors to bring in any outdoor furniture, deck or yard decorations inside if severe weather is in the forecast.
  3. Build a “safe room” to FEMA or ICC 500 standards where tenants can seek refuge.
  4. Read about tornado safety on the NWS website.


Any area can be overwhelmed by a flash flood, but some areas are more susceptible to flooding than others. 

  1. Flood risk can be checked on FEMA’s Flood Map Service Center page
  2. Encourage your clients to add Flood coverage to their insurance strategy. They should bear in mind that coverage for Flood is always purchased separately from property coverage and if going through the National Flood Insurance Program there is usually a 30-day waiting period for Flood coverage to go into effect.
  3. Check the grading of soil around their foundation to be sure water will flow away from the house when it rains. Install additional drainage if necessary or regrade problem areas.
  4. Make sure gutters and downspouts are clear of blockages to help shed water away from the home.
  5. Test their sump pump before storms arrive to make sure it comes on when water flows into the sump pit.
  6. Stack sandbags around the perimeter of the house and in front of entryways to prevent rising water from entering the property.
  7. Read about flood safety on the NWS website

Insurance Coverages & Responsibilities

Remind your clients not to wait until severe weather is headed their way (or worse, after a storm!) to become familiar with their insurance coverage. As you know, certain coverages aren’t typically included in standard property policies, such as Flood coverage. For an investor, discovering that they do not have coverage for the devastating losses natural disasters can bring can exponentially increase the hardship, if not take them out of business altogether. We are standing by to help you and your clients with any questions, so take advantage of your Sales Manager’s knowledge.

It is also important to remind your clients that they know their responsibilities as an insured; they have a contractual duty to prevent further damage when a loss occurs at their property. Remind them to check the policy section “Duties in the Event of a Loss” for specific responsibilities. The items contained within are sensible and reasonable, so they shouldn’t find any surprising requirements, only things that a prudent person would do in the event of a loss. Some examples might include securing the property from unlawful entry after high winds and flying debris damage doors and windows or putting a tarp on a roof that has been compromised by tree damage. Lastly, reminding you clients that reporting losses as timely as possible can help expedite the claims process and ensure that they don’t lose coverage because they waited too long to report a loss.

In any type of loss, your client will usually be expected to: 

  1. Contact their insurance company in a timely manner to advise them of the loss.
  2. Contact the authorities when appropriate.
  3. If a crime has been committed, file a police report.
  4. In the event of a fire, file a fire report.
  5. Take photos or videos of the damage, or both.
  6. Make any necessary temporary repairs to prevent further damage to the property.
  7. Set aside any damaged materials for the adjuster to examine.
  8. Save all receipts from any temporary repairs made.
  9. Get an estimate from a reliable contractor. (Obtaining several is advisable.)

Two Common Storm-Related Mitigation Techniques

Boarding Up a Property

When a storm compromises entry points like windows and doors, properly boarding up their property can help deter thieves and vandals. Find reliable board-up tips from the United States Fire Administration here: USFA Board-Up Procedures

Beware of Scammers

Unfortunately, there are unscrupulous people out there looking to take advantage of those who have just suffered a loss, especially after natural disasters. Your clients may not be able to avoid a storm, but if they are on their guard, they could avoid becoming a victim in the aftermath. The Oklahoma Insurance Department recommendations include, but are not limited to, the following advice:

  1. Anyone who offers to get you more money for your insurance claim warrants additional caution.
  2. Always hire an established, licensed and fully insured company. Check the references they give you.
  3. Reputable contractors should be able to provide you with their certificate of liability insurance. If they have employees, they should also carry worker’s comp coverage.
  4. To help ensure coverage is in force while the contractor is working for you, you can ask to be added as an additional insured on their policy. If the policy lapses or cancels, you should be notified. In most cases, there is no fee to get you added to the policy.
  5. Never pay a repair bill in full until the work is completed according to your contract with the provider.
  6. A bid that is substantially lower than other bids for the same scope of work is usually missing something significant. Review all bids carefully to ensure there aren’t items missing or unnecessary items added to the scope of work.
  7. High-pressure tactics can be a red flag. Don’t let the heightened stress following a loss cause you to rush the process of hiring a quality service provider.